Pension Calculator (2025) - state, occupational, private
Estimate your retirement income from state pension (allmän pension), occupational pension (tjänstepension), and private savings.
Plan your retirement for 2025
Our pension calculator helps you estimate your future retirement income from all three Swedish pension pillars: state pension (allmän pension), occupational pension (tjänstepension from your employer), and private pension savings. By entering your birth year, average salary, years worked, and savings, you get a realistic picture of your future retirement finances.
The three pension pillars in Sweden
The Swedish pension system consists of three parts. State pension is public and based on your earned pension rights during working life, approximately 16% of your salary. Occupational pension is contractual pension from your employer, typically 4.5% of salary but can vary. Private pension is your own savings, such as in pension funds, stocks or investment savings accounts. Together, the three pillars provide your total retirement income.
Plan for a secure retirement
With our pension calculator, you can test different scenarios to reach your desired retirement level. Try adjusting private monthly savings, test different return rates, or change retirement age to see how it affects your future pension. Remember that pension is often lower than your current salary, so it's important to start planning early.
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